RSBT vs SCHD
RSBT vs SCHD
Return Stacked Bonds & Managed Futures ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | RSBT | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 1.01% | 0.06% | |
| AUM | $138M | $103.7B | |
| Dividend Yield | 3.02% | 3.31% | |
| Holdings | 30 | 104 | |
| YTD Return | +3.04% | +23.31% | |
| 1Y Return | +17.27% | +30.42% | |
| 3Y Return (annualized) | +2.23% | +14.66% | |
| 5Y Return (annualized) | - | +9.59% | |
| Volatility (annualized) | 11.3% | 13.6% | |
| Max Drawdown | -23.6% | -33.4% | |
| Fund Family | Return Stacked ETF | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Feb 7, 2023 | Oct 20, 2011 |
RSBT vs SCHD Performance
Return Stacked Bonds & Managed Futures ETF (RSBT) is a ETF from Return Stacked ETF and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year RSBT returned +17.27% while SCHD returned +30.42%. Year to date, RSBT is up 3.04% versus a gain of 23.31% for SCHD.
Over three years, RSBT compounded at +2.23% per year against +14.66% for SCHD. Across the full 4-year window we track, SCHD has the edge at +11.34% annualized vs -1.39%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 13.6% compared with 11.3% for RSBT. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -23.6% for RSBT and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.38. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
RSBT charges 1.01% per year while SCHD charges 0.06%. On a $10,000 position that is $101 vs $6 annually, a gap of $95 per year that compounds over a long holding period. On income, RSBT currently yields 3.02% against 3.31% for SCHD.
Holdings Overlap
RSBT and SCHD share 0 holdings out of 102 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, RSBT or SCHD?
RSBT has an expense ratio of 1.01% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $95 per year of difference.
Which performed better, RSBT or SCHD?
Over the past year RSBT returned +17.27% vs +30.42% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (4 years), RSBT annualized -1.39% vs +11.34% for SCHD. Past performance does not guarantee future results.
Which is riskier, RSBT or SCHD?
SCHD has been the more volatile fund at 13.6% annualized versus 11.3% for RSBT. Worst drawdown: RSBT -23.6% vs SCHD -33.4%.
Should I hold both RSBT and SCHD?
RSBT and SCHD have a monthly-return correlation of 0.38, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between RSBT and SCHD?
RSBT and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 102 unique securities.
Which pays a higher dividend, RSBT or SCHD?
RSBT yields 3.02% while SCHD yields 3.31%, so SCHD currently pays the higher dividend yield.
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